Who this is for
Households comparing a target price, loan, cash and CPF use, transaction sequence and downside cases.
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Singapore Property Financial Decision Engine
Upload a listing screenshot or try a supported listing link, verify the extracted facts, compare recent official HDB or URA transactions, then test first-home, upgrade, right-size and transaction-sequence paths with borrowing, completion cash, CPF, duties, sale proceeds and stress tests visible.
✓ Results shown free✓ Dated source references✓ General information only
Live decision engine
Tests affordability, transaction sequence, funding timing and downside cases with dated Singapore rules.
Know what the property result can—and cannot—tell you
Tests whether one chosen Singapore home purchase can be funded at completion and carried monthly under your facts, dated rules and stress assumptions.
What it does not decide
It is not a valuation, loan approval, HFE or eligibility decision, transaction instruction, or financial, legal or tax advice.
Input and output contract
- Facts you provide
- Buyer profile, income, debt, cash, CPF, target property, dates, costs and confirmations.
- Dated rules
- TDSR/MSR, LTV, stamp duties, CPF-use and property-tax boundaries from the cited rule set.
- Calculated estimates
- Selected loan, completion funding, monthly position, stress cases and occupancy-cost estimates.
- Unknown until confirmed
- Valuation, lender approval, HFE, CPF limits, sale proceeds, remission and completion timing.
- Optional scenarios
- Sale sequence and stress assumptions may be changed; profile import, saving and registration are optional.
Account use is optional: Sale sequence and stress assumptions may be changed; profile import, saving and registration are optional.
Start from a listing
AI extraction → official transactions → financial decisionImport a property, then verify every detail
Upload a listing screenshot or try a supported listing link. AI extracts editable facts only; official transactions—not AI—produce the estimated market-value range.
Before you use AI import
Your screenshot or sanitised listing text is sent through interest.sg to OpenAI to extract editable facts. OpenAI may retain API input and output for up to 30 days for service and abuse monitoring; interest.sg does not intentionally save the upload or extraction output in its application database. Crop names, phone numbers, faces and other unnecessary personal data. Do not upload identity, bank, legal or confidential documents. Upload only material you are entitled to use, and verify every extracted field.
property-decision-v1 · rules sg-property-2026-08-25.1
The deterministic engine takes the lowest applicable borrowing boundary, builds completion uses and sources, then replays cash, CPF, sale and monthly stress cases. AI may only extract editable listing facts; it does not calculate, interpret or approve the decision.
Material limitations
- User-entered price is not a market valuation; official-transaction estimates remain indicative and separate.
- Rules and dates can change, and professional or authority confirmation controls before any transaction.
Reproducible fictional example
Inputs and assumptions
- Synthetic first-home buyer: age 35, Singapore citizen, S$12,000 fixed monthly income and S$500 other monthly debt.
- S$1,200,000 private leasehold target; market value confirmed equal to price; no current home or sale proceeds.
- S$500,000 cash with S$60,000 protected, S$250,000 CPF with S$200,000 planned, 30-year bank loan at 3%, S$4,000 comfort limit.
- AI listing import: NOT EXECUTED. Values were entered directly into the deterministic engine.
Replayed engine outputs
- Status: Stretched; binding constraint: personal budget.
- Selected loan S$837,844.96; mortgage duty S$500.00; completion cash S$262,255.04; funding gap S$0.00.
- Mortgage payment S$3,532.39 per month. Engine property-decision-v1; rules sg-property-2026-08-25.1.
Primary sources and review dates
| Source | Effective or source date | Checked by Interest.sg | How it is used |
|---|---|---|---|
| MAS housing loan limits ↗ | 30 Sep 2022 | 25 Aug 2026 | Borrowing boundaries |
| IRAS Buyer’s Stamp Duty ↗ | 15 Feb 2023 | 25 Aug 2026 | Completion uses |
| CPF Board housing usage limits ↗ | 25 Aug 2026 snapshot | 25 Aug 2026 | Confirmed CPF boundary |
Next actions
- Confirm valuation, financing, CPF/HFE and transaction dates with the relevant provider or authority.
- Re-run the same facts with the rate, income and completion-timing stress cases before comparing options.
Clear outputs
What this tool will show
Each result stays connected to the inputs and rules used.
- 01Official-transaction estimated value range
- 02Asking-price position and comparable sales
- 03Comfortable and regulatory price limits
- 04Completion cash and CPF funding
- 05Sale waterfalls, stress tests and action paths
Transparency standard✓ ✓ ✓ Read the full methodology→
The workings stay visible from day one.
Official rules
Applied parameters include a source and verification date.
Assumptions
User inputs and defaults are clearly separated.
Limits
Scope and exclusions appear beside the result.
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interest.sg provides general information, dated reference data and calculation tools. Results are estimates—not financial, investment, legal, tax, property, valuation, CPF, HDB, lending, insurance or protection advice. Verify material decisions with the relevant authority or a qualified professional.
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